Home Insurance in Carter, Oklahoma
With a median home value of $80,000, Carter is 44% lower than the Beckham County median.
The typical home in Carter was built around 1960. About 50% of homes were built before 1960, about 24 points above Beckham County's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Carter is 86% single-family homes and 14% mobile or manufactured homes.
56% of owner-occupied homes in Carter carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Carter are owner-occupied.
78% of homes in Carter are primarily heated with natural gas.
Beckham County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Beckham County had 8 active NFIP flood policies as of September 2026. See the full Beckham County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Oklahoma, the statewide average premium for a standard HO-3 homeowners policy is $2,486 per year (NAIC, 2023 data).
Key figures
| Median home value | $80,000 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Beckham County | 8 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)